[E. Pluribus Unum]

If you get to buy the insurance after you have the wreck it’s not insurance, it’s welfare.

[Lurking Libertarian]

If you get to buy the insurance after you have the wreck it’s not insurance, it’s welfare.

The issue is not (or should not be) with people who want to buy insurance after they get sick. The problem is people who get insurance from their employer, then get sick, then change jobs. The new employer's insurance will refuse to cover pre-existing conditions; that refusal is what Obamacare banned.

[setter]

“If you get to buy the insurance after you have the wreck it’s not insurance, it’s welfare.”

No it is not welfare. Not how it works. If you have no insurance and come down with cancer or have an accident you cannot go out and buy insurance.

You have to wait until the open enrollment window which starts in January each year. If you had a accident in Sept and your insurance starts jan 1st they would not go back and cover your accident claims in September.

I am in the health insurance business. As others said 95% of people in this country have some sort of Pre ex.

Pre ex needs to be covered. If Republicans voted against pre ex they would never again get elected to any office.

[lepton]

If you get to buy the insurance after you have the wreck it’s not insurance, it’s welfare.

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Yep. Which is not to say that nothing should be done with people born with birth defects, or became uninsurable while children. The ACA cancelled the programs nearly all states had for these groups.